One application · Multiple banks

Credit cards with rewards, cashback & lounge access

Compare cards from leading banks & NBFCs in one place — pick the one that fits how you spend. No impact on your credit score to compare.

RBI-registered partners20+ Banks & NBFCs100% secure

Partnered with leading card providers

  • Jupiter
  • Scapia
  • Novio
  • Niyo
  • IDFC FIRST
  • ICICI Bank
  • Bajaj
Find your fit

A card for every kind of spender

From everyday cashback to airport lounges and lifetime-free cards — explore the categories and apply for the one that matches your lifestyle.

  • Cashback cards

    Earn a percentage back on everyday spends — groceries, bills and online shopping — credited straight to your statement.

  • Rewards cards

    Collect points on every transaction and redeem them for vouchers, products or statement credit. Some cards reward you as transferable points or in-app currency.

  • Travel & lounge

    Complimentary domestic (and on premium cards, international) airport-lounge access, plus accelerated rewards on flights, hotels and forex.

  • Lifetime-free cards

    Zero joining and zero annual fees for life — keep the card with no recurring cost, ideal for building credit history.

  • Fuel & utility

    Fuel-surcharge waivers and extra savings on petrol, utility bills and recurring spends for daily commuters.

  • UPI & RuPay cards

    Link a RuPay credit card to UPI and pay by scanning any QR — the convenience of UPI with the rewards of a credit card.

Why PakkaLoan

Compare smarter, apply once

A transparent, secure first step to your next credit card — built to save you time and protect your credit score.

  • One application, many issuers

    Tell us once what you're after and compare cards from leading banks & NBFCs side by side — no filling the same form on a dozen sites.

  • No impact to compare

    Browsing and comparing cards here never affects your credit score. A formal enquiry is only raised once you proceed with an issuer.

  • Secure & paperless

    Your details are processed securely and your mobile is verified with a one-time code. Fully digital, designed around Indian data-protection practices.

  • You choose the card

    PakkaLoan compares and connects — the card issuer makes the final approval, credit-limit and terms decision. You stay in control of which one you pick.

Side by side

Compare popular credit cards

Headline benefits from partnered issuers. Final approval, credit limit, interest rate and exact fees are set by the issuing bank or NBFC.

  • Jupiter

    Rewards
    • Rewards as Jewels
    • Save up to ₹50,000/yr
    • Cashback
    Fee: —Apply

  • Scapia

    Travel & lounge
    • Zero joining / annual fees
    • Unlimited domestic lounge
    • 10% rewards
    • Airport dining & shopping
    Fee: Zero joining / annual feesApply

  • Novio

    Lifetime-free
    • Lifetime-free FD credit card
    • BookMyShow B1G1
    • ₹100 off Amazon
    • ₹100 off Swiggy / Zepto
    Fee: Lifetime freeApply

  • IDFC FIRST

    Rewards
    • Up to 10X rewards
    • Interest-free ATM for 45 days
    • Rates from 8.5% p.a.
    • Lifetime free
    Fee: Lifetime freeApply

  • ICICI Bank

    Premium
    • Coral ₹500 joining
    • Emeralde ₹12,000
    • Platinum lifetime-free
    • EMV chip cards
    Fee: ₹500 to ₹12,000 (by variant)Apply

  • Bajaj

    EMI & cashback
    • Easy EMI from ₹999/month
    • ₹1,000 cashback on first txn
    • No annual fee
    Fee: No annual feeApply

Card features shown are indicative and provided by the respective issuers; they may change without notice. PakkaLoan is a digital loan-aggregation platform that helps users discover and apply for loan offers from partnered banks and NBFCs. PakkaLoan does not lend directly — final approval, interest rates and disbursal are determined solely by the respective lending partner. Loan offers are subject to standard credit-approval processes.

Before you apply

Who can apply for a credit card

General guidance — the exact age, income and credit-score requirements are set by each card issuer at the time you apply.

  • Age

    Indian resident, typically 18 years and above (the exact minimum and maximum age is set by the card issuer).

  • Income

    A stable income — salaried or self-employed. Each issuer sets its own minimum-income threshold for a given card.

  • Credit profile

    A healthy credit score and repayment history improve your approval odds and the limit you're offered. First-time users can start with secured / FD-backed cards.

  • KYC documents

    PAN, an identity & address proof and recent income proof (salary slips or ITR / bank statements). The issuer confirms the exact checklist.

Simple & paperless

Get matched in three steps

From comparison to application in minutes — fully online, OTP-verified and free to use.

  1. 01

    Tell us what you want

    Share a few basic details and the kind of card you're after — cashback, travel, rewards or lifetime-free.

  2. 02

    Verify with an OTP

    Confirm your mobile with a one-time code. The process is paperless and takes only a couple of minutes.

  3. 03

    Compare & apply

    Review the cards you're matched with, compare their benefits and fees, then proceed with the issuer that suits you best.

Good to know

Credit-card questions, answered

The essentials on comparing and applying for a credit card through PakkaLoan.

No. Browsing and comparing cards here is designed to be a low-friction first step and does not affect your credit score. A formal credit enquiry is only raised when you proceed with a specific issuer and they assess your application.

Ready to compare?

Find your perfect credit card

One application. Multiple lenders. The pakka way to borrow. One quick application — checking won’t affect your credit score.

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